#your money

[thegenxpointofview]

Finance Tip: How do you tip?

So leaving a tip is actually a big deal in U.S. culture. It is pretty much everywhere you go now, if not on the screen you pay at then there is a jar on the counter. Tipping isn’t a bad thing, many people make ends meet by living off tips. My son delivers pizza as he gets through college, he comes home with 50-150 cash depending on the days he works just in tips. Now that nearly every transaction…

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#Bitcoin #Finance #Finance tips #Great Resignation #Money #your money

[precariouswizardry]

#if i have a specific flask for ONE POTION and the apprentice ignores the system its on them #stop talking down to alchemists like we're dumb #go ahead and wave your sticks at each other while i bottle pure imagination and turn it into a bomb #shadow wizard money gang #wizard posting #wizardcore #pondering orb #potions #shadow wizard grindset #casting spells

[kedreeva]

There's some dude (derogatory) on FB who is PISSED people are pricing their farm fresh eggs at $2 and $3 a dozen instead of $4+, saying it's "disrespectful" and "undignified" and "I'm trying to feed my kids" like Sir, you are on a Facebook group page bitching about your neighbors egg prices because your pet chickens aren't earning you a living wage and you think it's your neighbors' fault, you do not have a leg to stand on here wrt dignity.

Also half the answers are like "I give them to friends and family free" or "I donate them to food banks" or "I'm making them affordable to folks who might not otherwise be able to get them now that they're so expensive in the store" and "if you think you're going to turn a profit keeping backyard chickens you have been wildly misled" and so on, and so forth, and I'm so living for it.

and I can tell you right now, he did NOT like my answer of "if you're trying to feed your kids, I hear eggs are edible."

#chickens #like buddy you are never going to actually make a profit #and if by some miracle you do #it's going to be VERY SMALL #Considering the money you put into building or buying a coop #plus feed and bedding and equipment (waterers feeders perches etc) costs #egg cartons and enrichment and gas to go get the feed #the cost you (personally) probably put into building the egg stand you mentioned #a 50lbs bag of feed will feed 12 adult chickens for 8 days #12 chickens generally lay 6-12 eggs per day #usually less in the fall and may even stop in winter #a 50lb bag of feed is usually $12-15 #and you wasted the first 6 months going eggless until they were old enough to lay #and that doesn't factor in oyster shell or anything else you may need to do for them #like worming or treating for coccidia or anything #and doesn't take into account your time #like asjh;dsfkgdh you really thought you were gonna make a buck doing this??? #wank for ts

[stil-lindigo]

Bisan is calling for another global strike!

I saw some posts just outlining Jan 21st, and wanted to clarify that Bisan has called for a full seven days of action.

What a global strike would look like is:

calling in sick to work

purchasing bare essentials ahead of the week so you can observe the general boycott of goods / buying as little as you genuinely can

putting in a concerted effort to elevate Palestinian voices and make it clear that this strike is in support of a permanent ceasefire!

For those who will have to purchase necessary goods during this time, please observe the brands that the BDS movement is asking us to boycott!

♢♢♢

Right now is also a good time to mention some better uses for your money during this week.

Available e-sims in Gaza are running low!!

Mirna El Helbawi and her team are working round the clock to continue to connect Palestinians as Israel does its best to cut them off from the rest of the world.

You can learn how to purchase and send e-sims here, and below you’ll find a list of what is currently needed (the areas in brackets indicate what region you should select to buy e-sims in).

--

CareforGaza is an organisation that does verifiably good work, distributing supplies directly to Palestinian families.

They have a Gofundme set up at the moment, but because of Gofundme’s poor track record regarding refusing to transfer funds to Palestinians, I’d recommend continuing to donate directly to their PayPal here.

Good luck to all of you. Don't turn away from Palestine!

#i know that for some people their first instinct will be to scoff. how can anyone just not buy things for a full week? #what about groceries? rent? #and personally. i wanna say yes. there are some things that we have to spend money on to survive. #but it is possible still to make a concerted effort in your life #to carve out seven days where you can minimise that amount of money #i know its a lot. #for some people who are living on a tight budget. i know its not possible and i dont fault you for that #but i know for a fact that so many of us would be able to take out a few daily purchases in observance of this strike #do your best #dont turn away from palestine #free palestine #palestine #from the river to the sea #call to action

[frostedpuffs]

does anyone else hate that work takes up like 90% of your life and you literally are always working and have to form plans and important things and even seeing friends or eating meals around work. it's always just work. im spending my life just being At Work. i don't have time for hobbies or for seeing friends bc it’s always Work. like two days off a week isn't even enough because my days off aren't consecutive so i just spend those days exhausted or doing errands or house chores. there is not enough Time. all the time goes to Work. WHY IS LIFE THIS WAY. humans were not meant for this

#literally so frustrating how im always at this damn job LMAO #working full time is a joke. you spend most of your life at work just to not even be able to make enough money to live #bullshiiiiiityee #text post

[frenzyarts]

I'm not going to buy your art if you're going to reblog cringe.

This is one of the funniest asks I’ve ever gotten I don’t even know how to respond

You’re ON the cringe website. Do you also get mad when you open a book and words are inside

#If you don’t like cringe I don’t want your money #i am cringe but i am free #frenzy post

[feathered-serpents]

If anyone gets this ask

This is fake

This is a false story using a separate real fundraiser you can find here's, words and an amalgamation of images on a new blog to scam people into donating money.

The "donate to help my cat/dog" scams have upgraded to exploiting an ongoing genocide to try and scam good people out of their money. This is disgusting. This is one of the most heartless scams I have ever seen

#free palestine #gaza #this is repulsive. this is unforgivable #how dare you steal money from this family how dare you exploit a genocide to line your own pockets

[montanabohemian]

if i see a single one of you pissed that your faves canceled an event or a con appearance because they're striking for fair wages then imma come for you in your sleep 🔪🔪🔪

(direct that fury where it belongs: AMPTP and the execs)

#sag aftra #sagaftra #sag aftra strong #sag aftra strike #union strong #wga strike #PAY THE FUCKING ACTORS AND WRITERS #i hope the execs lose EVERYTHING #sag strike #sag-aftra #(BY THE WAY I'VE MADE A MINOR EDIT ON THE ORIGINAL POST) #in case you're confused: BE PISSED OFF. BUT DIRECT IT AT AMPTP AND THE EXECS. #if you don't get to see your fave at an event or a con? IT IS NOT THE UNION'S FAULT. IT IS THE FAULT OF THE EXECS #AMPTP AND THE EXECS ARE REFUSINGS TO NEGOTIATE IN GOOD FAITH AND ARE REFUSING TO PAY ACTORS AND WRITERS FAIRLY #SUPPORT THE WGA AND SAG STRIKE #if that means you can't see them at a con? then take the money you were gonna spend on that con and donate it #to the entertainment community fund #DIRECT YOUR ANGER WHERE IT BELONGS #WHICH IS AT AMPTP AND THE GREEDY PIECE OF SHIT EXECS #another edit: i forgot to add alt text which is my bad. I HAVE CORRECTED THAT.

[calamitys-child]

Every time I see companies selling """punk""" jewellery or clothing I become apoplectic with rage. Just saw a £65 padlock necklace advertised to me bitch Fuck you go to your nearest weird little shop that sells everything in the world including fake Rolexes and bongs the size of a toddler. Buy a thing of chain and a padlock. Borrow some bolt cutters someone you know will probably own some and if not get some cheap ones or borrow from a local tool library. Slap em together. Maximum cost £30 and that's MAXIMUM that's assuming you bought over a metre of expensive heavy chain AND bought the bolt cutters. You can do it for under a fiver with a wallet chain and pliers. I still wear a necklace I made when I was 15 out of a wallet chain and pliers and a padlock I got in a set of 3 from poundland. If the issue is dexterity or otherwise disability related then find a friend and swap a favour with them it'll still be cheaper than these scamming poser companies and will help you build community and share resources. Something which is actually punk. Fuckin. Capitalist posers

#ive made skirts in exchange for jewellery and ive done manual lifting in exchange for some clothing repairs and ill help with any project #in exchange for a snack and a pint #never give money to corporations for something you can ask your nearest butch faggot to do for swapsies

[thegenxpointofview]

How to create the change you want in society?

Are you political? Are you an environmentalist? Are you a woman’s rights advocate? A men’s rights advocate? It’s likely that there are some causes you are extremely passionate about. It’s also likely that at times you feel helpless to affect change that impacts the causes you believe in. What if I told you that you hold one of, if not the most potent tool to affect change in the modern world? You…

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#Change the world #Consumption #Cultural Changes #Environmentalism #How to create change #income #Men&039;s Rights #Women&039;s Rights #your money

[carry-on-my-wayward-butt]

imagine getting twenty four hours of a fraction of a taste of what marginalized bloggers on this fucking site have been told "doesn't break TOS" for the past 15 years and deciding to openly threaten to just nuke the entire website lmfao

#op #you know what makes people hesitant to fork money over to tumblr? #the fact that the leadership is so incredibly out of touch with the reality of this place #that his paper thin skin chafes at the mere thought of transparency and accountability. #you're a grown man worth hundreds of millions of dollars #stop pissing and shitting in your diaper about your feelings being hurt and do your fucking job

[quecksilvereyes]

oh my god do not click links in emails that tell you to verify your data or your bank account gets locked or click links in messages telling you your safety protocol is ending, like, tomorrow, you will get SCAMMED SO BAD AND YOU WILL LOSE A LOT OF FUCKING MONEY never ever let anyone pressure you into giving away login information especially to your online banking by creating a sense of urgency oh my GOD

some things to look out for

1. spelling mistakes. do you know how many rounds of marketing and sales experts these things go through? if theres a spelling mistake dont click it

2. not using your name. if an email adresses you with "dear customer" or, even worse, a generic "ladies and gentlemen", it is most likely not actually targeted to you

3. verifying or login links. even IF your bank was stupid enough to send these to customers, dont EVER click those. look at me. they can legally argue that youve given your data away and thus they dont have to pay you anything back DONT CLICK THAT FUCKING LINK

4. creating a sense of urgency. do this or we lock your account next week. do this or your ebanking stops working tomorrow. give us all your money in cash or your beloved granddaughter will get HANGED FOR MURDERING BABIES. no serious organisation would ever do something like that over email or sms. ever. hands off.

5. ALWAYS CHECK WHO SENT YOU THE EMAIL. the display name and the email adress can vary a LOT. anyone can check the display name. look at the email adress. does it look weird? call the fucking place it says its from. you will likely hear a very weary sigh.

6. if its in a phonecall, scammers love preventing you from hanging up or talking to other people to have a little bit of a think about whats happening. there should always be a possibility to go hey i wanna think about this ill call back the official number thanks.

7. do not, i repeat, do NOT a) call a phone number flashing on your screen promising to rid your computer of viruses after clicking a dodgy link and b) let them install shit on your computer like. uh. idk. teamviewer.

7.i. TEAM VIEWER LETS PEOPLE USE YOUR COMPUTER HOWEVER THEY WANT AS LONG AS THEYRE CONNECTED. IF YOU DONT KNOW FOR FUCKING SURE YOURE TALKING TO ACTUAL TECH SUPPORT DONT GIVE ANYONE ACCESS TO YOUR COMPUTER.

fun little addendum: did you know a link can just automatically download shit? like. a virus? an app you can't uninstall unless you reset your entire device? dont click links unless youre extremely sure you know where they lead. hover your mouse over it and check the url.

thanks.

#inspired by a customer who had 10 THOUSAND euros stolen bc they clicked a dodgy link and then entered their info #'oh i was so stressed in the moment' thats what theyre counting on PLEASE dont do this you will lose so much money #sometimes money you dont even have #do you know how much overdraft your bank account comes with? #sometimes the answer is 15k fucking euros

[dragonomatopoeia]

i'm always a bit unsettled by disdain for intellectual or creative labor in leftist spaces. there's this commonly held belief that academics are a bunch of rich old white men, rather than a wide variety of people who are barely getting by. most lecturers in universities are adjuncts living paycheck to paycheck. authors make very little money as a general rule. most researchers are overworked and underpaid. and yet there's still this idea that academics are overcompensated to sit around and smoke cigars together while making shit up

#seeing the response to the plagiarism video of 'this is a victimless crime' rubs me the wrong way #these are your fellow workers who are having their work stolen by people making considerably more money #and by and large the people whose work gets stolen are the people who the plagiarists think they can more easily steal from #namely people of color and especially women of color and lgbt people of color #especially the poorest among them without substantial backing or large audiences

[fiercynn]

on ao3's current fundraiser

apparently it’s time for ao3’s biannual donation drive, which means it’s time for me to remind you all, that regardless of how much you love ao3, you shouldn’t donate to them because they HAVE TOO MUCH MONEY AND NO IDEA WHAT TO DO WITH IT.

we’ve known for years that ao3 – or, more specifically, the organization for transformative works (@transformativeworks on tumblr), or otw, who runs ao3 and other fandom projects – has a lot of money in their “reserves” that they had no plans for. but in 2023, @manogirl and i did some research on this, and now, after looking at their more recent financial statements, i’ve determined that at the beginning of 2024, they had almost $2.8 MILLION US DOLLARS IN SURPLUS.

our full post last year goes over the principles of how we determined this, even though the numbers are for 2023, but the key points still stand (with the updated numbers):

when we say “surplus”, we are not including money that they estimate they need to spend in 2024 for their regular expenses. just the extra that they have no plan for

yes, nonprofits do need to keep some money in reserves for emergencies; typically, nonprofits registered in the u.s. tend to keep enough to cover between six months and two years of their regular operating expenses (meaning, the rough amount they need each month to keep their services going). $2.8 million USD is enough to keep otw running for almost FIVE YEARS WITHOUT NEW DONATIONS

they always overshoot their fundraisers: as i’m posting this, they’ve already raised $104,751.62 USD from their current donation drive, which is over double what they’ve asked for! on day two of the fundraiser!!

no, we are not trying to claim they are embezzling this money or that it is a scam. we believe they are just super incompetent with their money. case in point: that surplus that they have? only earned them $146 USD in interest in 2022, because only about $10,000 USD of their money invested in an interest-bearing account. that’s the interest they earn off of MILLIONS. at the very least they should be using this extra money to generate new revenue – which would also help with their long-term financial security – but they can’t even do that

no, they do not need this money to use if they are sued. you can read more about this in the full post, but essentially, they get most of their legal services donated, and they have not, themselves, said this money is for that purpose

i'm not going to go through my process for determining the updated 2024 numbers because i want to get this post out quickly, and otw actually had not updated the sources i needed to get these numbers until the last couple days (seriously, i've been checking), but you can easily recreate the process that @manogirl and i outlined last year with these documents:

otw’s 2022 audited financial statement, to determine how much money they had at the end of 2022

otw’s 2024 budget spreadsheet, to determine their net income in 2023 and how much they transferred to and from reserves at the beginning of 2024

otw’s 2022 form 990 (also available on propublica), which is a tax document, and shows how much interest they earned in 2022 (search “interest” and you’ll find it in several places)  

also, otw has not been accountable to answering questions about their surplus. typically, they hold a public meeting with their finance committee every year in september or october so people can ask questions directly to their treasurer and other committee members; as you can imagine, after doing this deep dive last summer, i was looking forward to getting some answers at that meeting!

but they cancelled that meeting in 2023, and instead asked people to write to the finance committee through their contact us form online. fun fact: i wrote a one-line message to the finance committee on may 11, 2023 through that form, when @manogirl and i were doing this research, asking them for clarification on how much they have in their reserves. i have still not received a response.

so yeah. please spend your money on people who actually need it, like on mutual aid requests! anyone who wants to share their mutual aid requests, please do so in the replies and i’ll share them out – i didn’t want to link directly to individual requests without permission in case this leads to anyone getting harassed, but i would love to share your requests. to start with, here's operation olive branch and their ongoing spreadsheet sharing palestinian folks who need money to escape genocide.

oh, and if you want to write to otw and tell them why you are not donating, i'm not sure it’ll get any results, but it can’t hurt lol. here's their contact us form – just don’t expect a response! ¯\_(ツ)_/¯

#ao3 #otw #archive of our own #organization for transformative works #ao3 is not your savior #and they don't need your money #otw finances

[sunfoxfic]

We were so close to smoking not being cool anymore. We were so close. Then they flavored it mango and now it's taboo to criticize it anymore. People don't ask if they're allowed to vape indoors, they aren't considerate of people who may have health problems that are triggered by the chemicals or if it just bothers them, people don't care that they're supporting an industry built on corruption and greed, they can't see it draining their pockets and much less their health. We were so close to smoking not being cool anymore.

#i hate hate HATE nicotine after watching my parents smoke when i grew up #its gross and bad for your money and bad for your health #and i get it. theres SO MANY socioeconomic factors that make it a complicated issue. #you CANT blame smokers. #but it feels like people are just accepting the institution for what it is bc now it tastes good #bitch just chew gum jfc #it doesn't matter if its an industry issue. we have seen in the past that making it “uncool” hurts the industry #make nicotine uncool again PLEASE #grumbles

[anotherpapercut]

I just want to say I have absolutely 0 sympathy whatsoever for anyone complaining about anything homeless people do. oh you saw human shit on the ground?? hmm maybe it's because THEY DONT HAVE A TOILET. oh you saw someone cleaning themselves in a public restroom? maybe because THEY DONT HAVE A FUCKING SHOWER. oh no a homeless person is living in a tent and you think it's ugly?? CRY ABOUT IT IN YOUR FUCKING HOUSE. oh my goodness homeless people sleeping on the ground and they're in your way!!!! yeah THEY DONT HAVE A BED

if seeing homeless people bothers you that much then good news! you have some choices! 1) let them all live with you in your house! 2) start pressuring your local government to stop criminalizing the homeless and start giving them financial and medical assistance! 3) shut the fuck up and die!

#the way people whove never been homeless view homelessness os disgusting #acquire some human compassion idiot #'but they are reportong am increase in crimes from the homeless!!!!' yeah 90% of that is trespassing because they dared to sit down #you can also get arrested for sleeping in your car in many places! or asking people for money so you dont statve to death! #so once again shut the fuck up and die!!